two, short sale foreclosure, bankruptcy, two, two, two. chapter 13 bankruptcy, one year. and the whole reason behind this is they look and see, look, here is a situation happen with these people. let's try to make it available to them and make it more available so they can buy sooner because of the circumstances. by the way, steve, we're also talking about primary residentses here. they're not as lenient with investment properties. the other thing i would like to tell our viewers, for example, buying a car. i was talking to one of the big finance companies the other day that basically finances a lot of cars. they are saying that even if you lost your home to foreclosure and short sale, they're not even looking at that anymore, steve. they know what's happened in america. what they do is they break down in tears, teira, different layers and all you do is pay more of a finance charge when you go buy car, depending on the fico scores. there is life after what we've gone through. >> steve: that's great news.